Directors & Officers Liability (D&O)
Non-Profit Organizations
 
Protects the insured organization (entity coverage) and all directors, officers, trustees, committee members, volunteers or employees of non-profit organizations against damages resulting from any civil claim or claims made against them and caused by any negligent act, error or omission while acting in their respective capacities. A spousal coverage extension is also available.
Indemnifies a non-profit organization for expenses incurred in defending a lawsuit alleging negligence of officers or directors.
Broad definition of Wrongful Act can provide coverage for Employment Practices Liability (EPL) including:
 Discrimination
Sexual Harassment
Wrongful Termination
Mental Anguish
Emotional Distress
Duty to defend policies with annual premiums as low as $1,000. Additional options including:
Defense costs in addition to the limit of liability
Guaranteed renewal at set premium
Two & Three year policies with prepaid premium at a discounted rate
Fiduciary Liability coverage option with shared or separate limit
Underwriting information required:
Completed, signed and dated original application
Latest audited financial statement
Copy of Bylaws
List of directors and officers